Expert Advice On Improving Your Home
Expert Advice On Improving Your Home
Written By David Cusick
Last Updated February 2024
Homeownership in Wheat Ridge can be exciting for many people, but it also comes with its fair share of challenges. Home repairs can be an unexpected financial burden for many homeowners. A home warranty plan can help protect homeowners by covering major repairs and replacements on your home’s most important systems and appliances.
The home warranty market has a lot of providers — all with different coverage — so our team at Today's Homeowner has compiled this guide to help you choose the best home warranty companies in Wheat Ridge.
Very highly rated among customer service reviews
Covers repairs with a 60-day workmanship guarantee
Extensive list of 20+ add-on coverages
Easy claims process
Won’t cover known or unknown pre-existing conditions
In Wheat Ridge, Liberty Home Guard is the most trustworthy home warranty. Liberty has been on the market for over 6 years, making it a well-respected company in the industry. When you buy a plan from Liberty, you will get a seamless complaint process and guaranteed service professionalism upon every repair visit. Liberty Home Guard also has a 60-day workmanship guarantee and some of the best customer service in the industry. Liberty has 3 plans for homeowners to choose from.
Liberty Home Guard has 3 plans that provide a mix of appliance and system coverage. The coverage caps from Liberty are around $3,000. The service fees are an affordable $75, which is lower than other providers in the Wheat Ridge area.
Read our Liberty Home Guard full review to learn more. To get a free quote from Liberty Home Guard, you can fill out this online form or call 866-451-2281.
Appliance Guard
Systems Guard
Total Home Guard
Over 10 years of experience
24/7 customer service team
Home inspections aren’t required
90-day repair guarantee
Plans aren’t customizable
Customers can’t choose their own contractor
Not available in washington
In Wheat Ridge, Choice Home Warranty is the best overall home warranty. Choice has been on the market for over 15 years, making it a well-respected company in the industry. When you buy a plan from Choice, you will get very high coverage caps and simple-to-understand service contracts. Choice Home Warranty also has great customer service, professional contractors, and lower out-of-pocket costs compared to other home warranties. Choice has 2 plans for homeowners to choose from.
Choice Home Warranty has 2 plans that provide a mix of appliance and system coverage. The coverage caps from Choice are around $3,000. The service fees are an affordable $85, which is lower than other providers in the Wheat Ridge area.
Read our Choice Home Warranty full review to learn more. To get a free quote from Choice Home Warranty, you can fill out this online form or call 929-400-6164.
Basic Plan
Total Plan
Low service fees compared to other home warranty providers
Two months of free coverage
Has an appliance-only, systems-only, and combo plan option
90-day repair guarantee
Has a $75 cancellation fee
Low coverage caps
In Wheat Ridge, Select Home Warranty is the most cost-effective home warranty. Select has been on the market for over 11 years, making it a well-respected company in the industry. When you buy a plan from Select, you will get a highly affordable service fee and free roof coverage upon purchase of a policy plan. Select Home Warranty also has an extensive network of highly trained professionals all over the country who are experts in home maintenance. Select has 3 plans for homeowners to choose from.
Select Home Warranty has 3 plans that provide a mix of appliance and system coverage. The coverage caps from Select are around $2,000. The service fees are a reasonable $60, which is lower than other providers in the Wheat Ridge area.
Read our Select Home Warranty full review to learn more. To get a free quote from Select Home Warranty, you can fill out this online form or call 888-370-3953.
Bronze Care Plan
Gold Care Plan
Platinum Care Plan
The oldest and most trusted company in the industry
Allows customers to build their own plans
Ability to choose the service fee you want to pay
Broad coverage on up to 33 appliances and systems
Doesn’t let customers choose their own technician
Doesn’t provide coverage in alaska
In Wheat Ridge, American Home Shield is the most customizable home warranty. AHS has been on the market for over 26 years, making it a well-respected company in the industry. When you buy a plan from AHS, you will get the ability to customize your plan with the coverages that work specifically for your home. American Home Shield also has a remarkably low claim denial rate in comparison to other home warranty companies. AHS has 3 plans for homeowners to choose from.
American Home Shield has 3 plans that provide a mix of appliance and system coverage. The coverage caps from AHS are around $2,500. The service fees are customizable and range from $75 to $125, which is lower than other providers in the Wheat Ridge area.
Read our American Home Shield full review to learn more. To get a free quote from American Home Shield, you can fill out this online form or call 888-365-2839.
ShieldSilver
ShieldGold
ShieldPlatinum
Established company with a bbb accreditation
Doesn’t have a coverage cap on heating, cooling, or ductwork
24/7 service calls available
Offers replacement of some covered items that are too damaged to repair
Doesn’t let customers choose their own contractor
According to some customer reviews, the technical jargon in contracts is confusing
In Wheat Ridge, First American Home Warranty is the best home warranty for appliance coverage. First American has been on the market for over 39 years, making it a well-respected company in the industry. When you buy a plan from First American, you will get very affordable and comprehensive appliance coverage. First American Home Warranty also has a unique add-on alongside common ones called the First Class Upgrade, which covers fees associated with the use of lifting equipment, up to $250 per local building permits, haul away services, and appliances and systems that have been insufficiently installed or modified. First American has 2 plans for homeowners to choose from.
First American Home Warranty has 2 plans that provide a mix of appliance and system coverage. The coverage caps from First American are around $1,500. The service fees are a reasonable $85, which is lower than other providers in the Wheat Ridge area.
Read our First American Home Warranty full review to learn more. To get a free quote from First American Home Warranty, you can fill out this online form or call 833-204-7164.
Basic Plan
Premier Plan
Offers home insurance deductible of $500
Extra long 180-day workmanship guarantee
Offers free cancellation in the first 30 days
Charges high service fees of $75-$150
Doesn’t allow customers to choose their own technician
Isn’t available in hawaii or alaska
In Wheat Ridge, Cinch Home Services is the home warranty with the best workmanship guarantee. Cinch has been on the market for over 44 years, making it a well-respected company in the industry. When you buy a plan from Cinch, you will get a 180-day workmanship guarantee that ensures your home systems and appliance repairs will be professionally done. Cinch Home Services also has a broad range of coverage options that will give homeowners peace of mind. Cinch has 3 plans for homeowners to choose from.
Cinch Home Services has 3 plans that provide a mix of appliance and system coverage. The coverage caps from Cinch are around $1,000-$2,000. The service fees are customizable and range from $75 to $150, which is lower than other providers in the Wheat Ridge area.
Read our Cinch Home Services full review to learn more. To get a free quote from Cinch Home Services, you can fill out this online form or call 877-589-0505.
Appliances Plan
Built-in Systems Plan
Complete Home Plan
Policy starts in ten days
24/7 customer service support
Generous coverage caps on important systems and appliances
30-labor guarantee and 90-day parts guarantee
Offers utility and home service outside line coverage
Higher service fee of $95
Not accredited by the better business bureau (bbb)
Only 2 plan options
In Wheat Ridge, The Home Service Club is the best home warranty with the quickest service. HSC has been on the market for over 15 years, making it a well-respected company in the industry. When you buy a plan from HSC, you will get quick coverage where the home warranty goes into effect just ten days after you pay for the plan, instead of the typical 30 days. The Home Service Club also has customer service representatives available 24/7, as well as a 30-day labor guarantee and a 90-day parts guarantee. HSC has 2 plans for homeowners to choose from.
The Home Service Club has 2 plans that provide a mix of appliance and system coverage. The coverage caps from HSC are around $2,000. The service fees are customizable and range from $65 to $90, which is lower than other providers in the Wheat Ridge area.
Read our The Home Service Club full review to learn more. To get a free quote from The Home Service Club, you can fill out this online form or call 800-750-9443.
Standard Coverage Plan
Comprehensive Coverage Plan
Today's Homeowner looks at dozens of datapoints on home warranty companies to come up with our data-driven rankings. It's not possible for a company to pay for preferential treatment in our rankings. We look at the following key factors in determining who should top our list:
| Home Appliance | Repair Cost |
|---|---|
| Air Conditioner | $6,443 |
| Heating | $4,295 |
| Electrical | $644 |
| Toilets | $537 |
| Washer/Dryer | $859 |
| Plumbing | $644 |
| Oven | $1,718 |
| Fridge | $644 |
A home warranty is a protection plan that assists Wheat Ridge homeowners in lowering the expenses of appliance and system repairs. The plans provide coverage to replace or repair appliances and systems that break down due to normal wear and tear.
When something breaks down, you file a claim and pay a service fee. The home warranty provider then arranges a contractor to handle the replacement or fix. Homeowners may have out-of-pocket costs only if the repair or replacement costs exceed the item's coverage limit. A home warranty gives homeowners peace of mind, as it helps avoid expensive emergency repairs. The coverage is particularly helpful for those living in older houses or houses with systems near the end of their life span. However, homeowners with newer homes and working appliances might not need a home warranty.
Home warranties cover your home systems and appliances. Common appliances covered include washers, garbage disposals, microwaves, refrigerators, dishwashers, dryers, and more. Included systems are usually electrical, heating, air conditioning, and plumbing. Many home warranty companies provide add-on coverage for septic systems, locksmiths, roof leaks, and central vacuums. Most home warranty plans require Wheat Ridge homeowners to wait 30 days before they can use the policy to pay for repairs. Additionally, policies normally only cover repairs and replacements resulting from normal wear and tear. Home warranties don't cover cosmetic issues, natural disasters, pre-existing conditions, or misusing a system or appliance. To make sure your next repair or replacement is covered, keep up with preventative maintenance.
There are a number of home warranty terms to know before signing an agreement, including:
When you're deciding on a home warranty provider, there are several important things to take into account:
Home warranty coverage varies widely in the items that are included. Most plans include protection for electrical, heating, plumbing, AC, and appliances. More inclusive options also include protection for other items such as spas, pools, well pumps, and roof leaks. Look for companies with an array of coverage options, such as upgraded plans. You'll want to tailor your protection for your needs.
Homeowners should anticipate paying a $60–100 service fee when filing home warranty claims. These per-claim costs can add up, so some homeowners prefer using providers with lower service fees to maximize savings. Some companies also offer disappearing deductibles when a homeowner goes a defined period without any repair requests.
A home warranty company's track record provides insight into things such as contractor quality, claim approval rates, timeliness of repairs, and overall customer satisfaction. Use third-party review sites such as the Better Business Bureau (BBB), TrustPilot, or Google Reviews to research providers. Complimentary ratings and reviews indicate a company known for stellar service.
Home warranty providers keep networks of professionals to handle covered repairs. Larger networks increase the probability of getting qualified technicians to service your home ASAP. Contact potential providers to find out how many contractors they have in Wheat Ridge to get a sense of how soon your repairs could happen in an emergency.
Some home warranty providers offer bonuses such as energy efficiency upgrades, maintenance discounts, and smart home device protection. These add value beyond just repair coverage. Extra bonuses help maximize the usefulness of the home warranty.
Wheat Ridge’s cold winters can put a strain on a home’s HVAC system. Whether it’s summer or winter, a home warranty can cover your home’s appliances and systems in the event they need to be repaired or replaced. For example, if your air conditioner stops working in the middle of July, a home warranty can cover the necessary repairs, preventing you from spending unexpected money out of pocket.
Not only does a home warranty provide some savings, but it also saves you time. If an appliance breaks, the last thing you want to do is find a repair person and schedule a repair. A home warranty deals with the research by sending trusted professionals to your door when you need them most. Another benefit of having a home warranty is when you’re selling your home, some providers let you transfer your home warranty plan to the new owners. This can make your house more attractive to potential homebuyers and may help your house sell faster.
One downside of getting a home warranty is that there are usually exclusions. For instance, if one of your appliances already has a manufacturer's warranty, it may not be included in the home warranty, so it’s important to read through any contracts you’re considering thoroughly to get a sense of what is included and what isn’t.
Another consideration is that home warranties typically only cover malfunctions due to normal wear and tear. They often won’t cover systems or appliances that have stopped working due to natural disasters, improper maintenance, animal infestations, etc.
A home warranty costs, on average, about $300 to $600 a year in Wheat Ridge. Our top-rated home warranty providers' most comprehensive coverage options vary from $546 to $840 per year. You can get a lower monthly payment with some companies by opting for a higher service fee. In addition, it's often less expensive to pay annually rather than monthly.
The difference between a home warranty and homeowner's insurance lies in what kinds of damage each covers. A home warranty covers normal wear and tear to systems and appliances in a home. Homeowners insurance protects the entire home in case of something such as a natural disaster or fire. With a homeowners insurance plan, you will not be able to file a claim should you need a new dryer or oven, unless the damage is due to a natural disaster, which is somewhat common in Wheat Ridge.
First-time homebuyers, real estate agents, home sellers, landlords, and homeowners can all get home warranty plans. A home warranty can help make your house more appealing to prospective buyers and save you money in the long run.
The different types of home warranties in Wheat Ridge include plans with coverage for either appliances or systems as well as combination plans. A combination plan covers almost all your systems and appliances, including your washing machine, drier, and HVAC. A plan that only covers appliances or systems will cover only the specific items mentioned in the policy.
Generally, a home warranty plan lasts for a year and can be renewed annually. Some providers may offer month-to-month plans.
Usually, the homeowner is responsible for paying the premium and service fees. However, when buying a new home, sometimes the seller is the one who paid for the policy. This can then be transferred to the new homeowner, who has to pay the service fees. In Wheat Ridge, where the median home value is $600,638, having the seller pay for the home warranty can save you some money on your new home.
